
Gutters are a part of your home’s drainage system. When things go wrong with your gutters, leaks and water damage can result. It’s important to fix gutter damage as soon as possible.
In some cases, you may be able to tap into your home insurance for repairs or gutter replacement. Knowing when to call your insurance company about gutter damage can help you move forward when a problem occurs.
Understanding Insurance Coverage for Gutters
Gutters are part of your home’s structure and are often included in homeowners’ insurance coverage. Coverage typically applies if the damage is caused by a covered peril (e.g., storms, hail, fire, falling trees). What is covered by home insurance varies from one policy to another, but you can find out by reading your home insurance policy.